| ObjectiveIn Guangxi Nanning urban employee basic medical insurance personal accounts of policy and management,analysis of the guangxi nanning urban employee basic medical insurance personal accounts running situation,analysis of nanning urban employee basic medical insurance personal accounts effect,found problems personal accounts,adjust measures to local conditions to explore the individual account of the activation function,revitalize the personal account fund,some effective measures to to improve the efficiency of the use of the individual account,to improve the system of basic medical insurance personal accounts of guangxi ideas and reform Suggestions are put forward.By combing the policy and management of the personal account of the basic medical insurance of the urban employees in Nanning,Guangxi,this paper analyzes the operation of the basic medical insurance personal account of the urban employees in Nanning,Guangxi,and analyzes the effect of the personal account of the basic medical insurance of the urban employees in Nanning,then discovers the problems of the personal account,explores the effective ways toactivate the individual account function and activate the personal account fund in order to improve the efficiency of the personal account,and puts forward the suggestions and reform proposals for perfecting the personal account system of basic medical insurance in Guangxi.MethodsOf Guangxi nanning urban employee basic medical insurance personal accounts on policy and management,through the questionnaire investigation and interview method,quantitative studies of nanning town worker medical insurance personal accounts,the individual account running effect,using descriptive analysis,descriptive analysis,chi-square test,t test,analysis of variance,multivariate regression linear analysis,Logistic multifactor regression analysis to individual account recognition and satisfaction,ginseng protect a worker to pay function,constraint function and accumulation effect,the relevant administrative departments(policymakers)and the leadership of the town worker ginseng protect personnel to interview(users)two aspects,from the perspective of policy makers understand the development of individual account,problems and the future reform direction,from the perspective of individual account users understand the usage of ginseng protect personnel to personal accounts and opinion.This paper combs the policy and management of the basic medical insurance personal account of the urban employees in Nanning,Guangxi,and makes a quantitative study on the personal account of Nanning urban employees,and studies the operation effect of individual account by means of questionnaire and interview.Using descriptive analysis,card-square test,T-Test,variance analysis,multivariate regression linear analysis,logistic multifactor regression analysis to analyzes the insured employee’s cognition and satisfaction,payment function,restraining function and accumulation effect onindividual account,to conduct interviews with the leaders of the relevant administrative departments(policy makers)and urban employees(users)in two areas,From the perspective of policy-makers to understand the development of personal accounts,existing problems and future reform direction,and from the perspective of personal account users to understand the use of personal accounts of the insured personnel and views.Results(1)urban workers increased year by year,increasing rate,from the perspective of the age composition of ginseng to keep staff,nanning urban workers ginseng protect personnel to age composition mainly middle-aged in the majority.The burden is falling.(2)the income of basic health insurance funds for urban and urban workers in nanning city increased year by year,and the increase in the amount of health care funds increased with the increase of fund income.Retired worker hospitalization expenses,on-the-job worker hospitalization expenses,on-the-job worker pharmacy to buy medicine expenses,on-the-job outpatient medical expenses component ratio is within 74.62%,the total urban employees’ medical insurance fund for guangxi to use the main influencing factors.(3)the increase in personal account expenditure is evident and the cost sharing is weak.The income of individual accounts grew faster,personal account expenditure increased year by year,and the personal account forecast trend of the second curve rising,the fund precipitated seriously.(4)some people have more than one personal account,which causes the deposit of the fund,which is not very efficient.(5)personal account stores account for the largest amount of total personal account expenditure,and money is clearly flowing to pharmacies and tertiary medical institutions.(6)the staff and workers are not very satisfied with their personal accounts(1)The number of insured forurban employees is increasing yearly and the participation rate is increasing,the age composition of insured for the urban employees in Nanning is mainly middle-aged,and the burden coefficient is decreasing continuously.(2)The income of the basic medical insurance fund of urban employees in Nanning is increasing year by year,and the growth rate is larger,the expenditure of medical insurance fund also increases with the fund income growth.The main influencing factors for the use of medical insurance fund for the urban employees in Guangxi are that the hospitalization expenses of retired workers,the hospitalization expenses of in-service workers,the cost of purchasing medicine in the drugstore of in-service workers,and outpatient medical expenses of in-service workers,all the cumulative composition ratio within74.62%.(3)The growth of personal account expenditure is obvious and the cost-sharing effect is weaker.The income of personal account increases fast,the personal account expenditure rises yearly,the forecast trend of personal account is two times curve rising state,the fund precipitate is serious.(4)Some people’s personal account balance is more,resulting in the fund precipitation,the use efficiency is not high.(5)Personal account pharmacy expenditure accounted for the largest proportion of total personal account expenditure,the funds flow to pharmacies and three-level medical institutions.(6)The insured employees ’awareness and satisfaction of individual accounts is not high.ConclusionGuangxi has many problems in the operation of the town worker medical insurance personal accounts,is primarily an aging population brings poor imbalances,accumulating,severe precipitation concentration,capital flow,such as the limited range of issues,therefore,needs to individual account policy,grasp the overall train of thought,specific measures: expanding the scope of thepersonal account to use,control the scale of delimit individual account,to explore establishing outpatient service as a whole and combining the community health service utilization,strengthen management and supervision.There are many problems in the operation of medical insurance personal account of urban employees in Guangxi,mainly the imbalance of income and expenditure caused by population aging,poor accumulation,serious precipitation,the capital flow is more concentrated,the scope of use is limited and so on,therefore,it needs individual account policies,to grasp the overall thinking,the specific measures are: to expand the scope of personal account use,to control the scale of personal account,to explore the combination of outpatient planning and community health service utilization and to strengthen management and supervision. |
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